In wealth management, an IOBSP helps individuals and business owners with their financing needs.

Borrowing can, in particular, help to:

• build up property assets;
• use leverage;
• optimise taxation;
• finance SCPI investments;
• restructure debt;
• improve cash management.

The IOBSP generally assesses:

• the client's financial situation;
• their borrowing capacity;
• their wealth management objectives;
• the project's feasibility.

They can then guide the client towards banking solutions suited to their circumstances.

Within wealth management firms, this activity often complements financial or insurance advisory services.

IOBSP is a broad regulatory category comprising several subcategories:

• COBSP (Broker in Banking Transactions and Payment Services);
• exclusive agent;
• non-exclusive agent;
• MIOBSP (Agent of an Intermediary in Banking Transactions and Payment Services).

In practice, many wealth management advisers hold IOBSP status so that they can help their clients with wealth-related financing transactions.

A professional may hold several statuses:

• CIF ;
• IAS ;
• IOBSP ;
• property intermediary.

This approach provides a more comprehensive view of wealth management.

Financing is a major strategic tool in wealth management.

Credit makes it possible to:

• invest in property;
• build wealth with a limited initial contribution;
• optimise leverage;
• finance rental investments;
• structure certain wealth management arrangements.

IOBSPs therefore play a key role in many wealth management strategies, particularly in property.

Their expertise also helps clients compare different banking solutions and make their projects more secure.

Yes. All IOBSPs must be registered with ORIAS.

This registration allows you to check in particular:

• the professional's authorisations;
• their regulatory status;
• the validity of their activity;
• certain mandatory professional guarantees.

Before entrusting a financing project to a professional, it is advisable to check their ORIAS registration.

IOBSPs are governed by the French Monetary and Financial Code.

In particular, they must:

• provide clear information to clients;
• explain how they are remunerated;
• assess needs and financial capacity;
• comply with borrower protection rules;
• operate within a strict regulatory framework.

In wealth management, these obligations are essential because financing decisions can have a lasting impact on clients' financial circumstances.

Using an IOBSP can provide specialist support with wealth-related financing.

The professional can, in particular, help to:

• compare several banking offers;
• structure a property project;
• optimise financing;
• incorporate borrowing into a wealth management strategy;
• save time on administrative procedures.

In certain complex projects, using a financing specialist can be a real lever for optimising wealth.

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